1. “ My Health Insurance covers the costs.” Health Insurance only pays for Hospital and Doctor’s Office. Even the most comprehensive plans do not cover Custodial Care, either At Home, or in any Nursing Facility. The only coverage that guarantees LTC coverage is a good LTC Insurance Policy with a [...]

Women may want to spend more time considering getting a good Long Term Care Insurance Policy. Two thirds of LTC Claims in 2011 were made by Women. Women live longer, are more likely to live alone, and more likely to have a need for Long Term Care. After taking care [...]

Frequently Asked Questions: 1. How much Long Term Care am I going to need? 2. How many years of Long Term Care Insurance coverage do most people buy? 3. When is the best time to apply for Long Term Care Insurance? Answers: 1.  According to the U. S. Department of [...]

Long Term Care Insurance is more important than ever for everyone. It makes the difference between living out your life the way you want and becoming a burden to your family, or a ward on the State. The LTC Insurance Industry is going through an important transformation that is critical [...]

The biggest Issue of the Day: Everyone is now living longer. How do we provide the Care needed? How do we pay for the Care needed? We have to deal with this as a Country. We have to deal with this as Individuals. Fathers, Mothers, Children, Friends, Relatives, Colleagues. Friends [...]

Just look around you and see what is happening. To your Family, your Friends, your Neighbors, in other countries. Everyone is getting older. Everyone will be living longer. Everyone will be needing more Long Term Care. So will YOU. If everyone will need more Long Term Care, it only makes [...]

New York Times, April, 2012 Good News On The Subject It makes the difference between living out your life the way you want and becoming a burden to your Family, or a ward on the State. But…It’s becoming more expensive, more complicated, and harder to get. You can pay nearly [...]

[Reprinted from February, 2012 issue of Westside Observer.] The clock struck midnight 2012, almost 4 million Baby Boomers will have turned 65. I wonder how many of these folks have invested in Long Term Care Insurance Policies? Personally, I haven’t yet! Many senior citizens are struggling to pay up to [...]

WE ALL KNOW that we are all living longer and likely to need Care as we get older. About 75% over 65 need LTC. So – high odds of LTC need – a likely event to happen. The question is: Who provides the Care, and Who pays for it? 3 [...]

Every Long Term Care Insurance Plan is different. You design your Plan to fit you. How much of the cost of Care do you want the Insurance Co to pay? How much of the cost of Care are you willing to pay. At current costs of $6000 per Month for [...]